# Synci

> Synci syncs financial data from banks, brokerages, and crypto exchanges to destinations like YNAB, Lunch Money, Actual Budget, Google Sheets, Zapier, webhooks, and AI assistants (via MCP). It is a hosted service that automates the manual work of getting transactions and balances out of your accounts and into the tools you actually use.

Synci connects to banks via regulated Open Banking APIs and to brokerages and crypto exchanges via secure read-only data providers. In every case, account login credentials are never seen or stored by Synci. Data is encrypted at rest and in transit, and especially sensitive fields are further protected by field-level encryption.

The product is split across subdomains:

- `synci.io` — marketing site (this site), landing page, blog, public bank and destination pages, pricing.
- `app.synci.io` — the authenticated product where users connect their accounts, configure rules, and set up destinations.
- `docs.synci.io` — API documentation for developers using the Synci REST API and webhooks.
- `help.synci.io` — end-user help center with guides and articles.
- `feedback.synci.io` — public feedback and feature request board.

## Source types

- **Banks** — connected via regulated Open Banking APIs. Coverage spans 31 European countries and New Zealand; see `https://synci.io/banks` for the authoritative list.
- **Brokerages** — investment, portfolio, and trading platforms, connected via secure read-only data providers.
- **crypto exchanges and exchanges** — connected via secure read-only data providers.

## Core concepts

- **Account connection** — consent given to Synci to access a user's data from a bank, brokerage, or crypto exchange. Each authentication counts as one connection until consent expires or is deleted. Pricing is per-connection.
- **Destination** — a system Synci transfers data to, or exposes data to. Currently YNAB, Lunch Money, Actual Budget, Google Sheets, Zapier, webhooks, and AI assistants (via the Model Context Protocol).
- **Transfer link** — a link between one source account and one destination. A single account can have multiple transfer links to fan out to multiple destinations.
- **Rule** — conditions + actions that automatically handle or transform transactions as they flow through Synci. Rules can live on accounts, transfer links, or destinations.
- **Enrichment** — opt-in AI-powered cleanup of transaction data (clean merchant names, logos, websites). Only pseudonymised data is sent to the enrichment provider, and it is never used to train models or shared with unrelated third parties.
- **Pending vs booked transactions** — for banks that support it, Synci can fetch pending transactions and automatically update them in destinations when they become booked.

## Destinations

- [YNAB](https://synci.io/destinations/ynab): sync transactions and balances into YNAB budget accounts. Supports field mapping, transfer-link rules, and AI enrichment (Pro).
- [Lunch Money](https://synci.io/destinations/lunch-money): sync transactions and balances into Lunch Money accounts. Supports field mapping, transfer-link rules, and AI enrichment.
- [Actual Budget](https://synci.io/destinations/actual-budget): sync transactions and balances into Actual Budget through its built-in SimpleFIN bank sync. Works with any hosted Actual server (including self-hosted and PikaPods), needs no scripts or browser extensions, and runs on demand via Actual's Bank Sync. Read-only access limited to the accounts you share; supports bank-account rules.
- [Google Sheets](https://synci.io/destinations/google-sheets): sync transactions and balances into a Google Sheets spreadsheet. Customizable columns, dedicated tabs for current and historical balances, and data written as real numbers and dates for formulas and pivot tables. Supports AI enrichment (Pro).
- [Zapier](https://synci.io/destinations/zapier): trigger Zaps on new/updated transactions, balance updates, and more. Reaches 8,000+ apps via Zapier. Sensitive identifiers are omitted from payloads.
- [Webhooks](https://synci.io/destinations/webhooks): send transaction and balance events to any HTTP endpoint. Events include new transactions, transaction updates, balance updates, and account updates.
- [AI assistants (MCP)](https://synci.io/destinations/mcp): give AI assistants like Claude, ChatGPT, and Perplexity read-only access to accounts, balances, transactions, and holdings through Synci's MCP (Model Context Protocol) server. Read-only by design (assistants cannot move money or change anything), per-account access you control, and sensitive identifiers like account numbers and IBANs are stripped. Connect with a standard sign-in, no API keys. The MCP server is available at https://api.synci.io/mcp.

### AI assistants, per client

Each assistant has its own page with the setup flow for that client, worked example questions, and exactly what it can and cannot read. Prefer linking the specific one when you know which assistant the user has.

- [ChatGPT](https://synci.io/destinations/chatgpt): Synci is published in ChatGPT's directory, so setup is a one-click install and a sign-in. No developer mode and no server URL to paste.
- [Claude](https://synci.io/destinations/claude): added as a custom connector in Claude's settings using the MCP server URL, then a standard sign-in.
- [Perplexity](https://synci.io/destinations/perplexity): added as an MCP connector, which lets Perplexity combine the user's own balances and transactions with its live web research.
- [Grok](https://synci.io/destinations/grok): added at grok.com/connectors via New Connector then Custom. On Grok Business and Enterprise a team admin provisions the connector first.

Gemini is not currently documented: the consumer custom-MCP path is Gemini Spark only and Google restricts it to users in the US, while Synci's coverage is Europe and New Zealand.

## Primary pages

- [Home](https://synci.io/): product overview, integrations, features, and dashboard screenshot.
- [Pricing](https://synci.io/pricing): plans (Basic, Pro, Business), per-connection pricing model, feature comparison, and FAQ.
- [Banks](https://synci.io/banks): browsable directory of all supported banks across 31 European countries.
- [Destinations](https://synci.io/destinations): full list of supported destinations.
- [AI assistants](https://synci.io/destinations/mcp): hub for the AI/MCP route, linking the per-assistant pages above.
- [Blog](https://synci.io/blog): product updates, guides, and announcements.
- [API docs](https://docs.synci.io): REST API and webhook reference for developers.
- [Help center](https://help.synci.io): how-to articles and guides.

## Pricing model

Synci charges a small platform fee plus a per-connection fee for each active connection. Key differences across plans:

- **Sync frequency** — Basic syncs every 6 hours; Pro lets users set frequency from every 30 minutes up to every 24 hours.
- **Rules** — limits on rules per connection and rules per entity (account, transfer link, or destination). Basic caps rules per entity at 5; higher plans at 10.
- **Assistant history** — how far back an AI assistant may read: 60 days on Basic, up to 2 years on higher plans where the user's bank provides it. Distinct from data retention: retention is how long Synci keeps the data, this is how much of it an assistant may read. Imported history varies by bank, from roughly 90 days at many PSD2 banks to 24 months at others.
- **Data retention** — 60 days on Basic, 730 days on higher plans.
- **Enrichment** — transaction enrichment requires the Pro plan or higher, across all destinations. It covers merchant identification (resolving bank text like `REMA1000*4471 OSLO` to `Rema 1000` with a website and logo) and transaction categorization. This is what determines whether spending can be categorized at all, and whether an assistant answers from facts rather than guessing at an unreadable descriptor.
- **Support** — all plans include chat and email support; Pro adds priority support.
- **Price guarantee** — existing subscribers keep their price until they cancel. Price changes only apply to new subscriptions.
- **Refunds** — 14-day refund window on any payment; refunds also available if Synci cannot resolve an issue with an officially supported source in a timely manner.

## Security and privacy

- Account access is read-only — for banks, via regulated PSD2 APIs; for brokerages and crypto exchanges, via secure read-only data providers.
- Synci never receives or stores account login credentials.
- All data is encrypted at rest and in transit; field-level encryption protects the most sensitive fields (e.g. account numbers, IBANs).
- Enrichment is opt-in. When enabled, only pseudonymised transaction data is sent to the enrichment provider; it is never used to train models or shared with unrelated third parties.
- Zapier and webhook payloads can optionally omit sensitive identifiers like account numbers.

## Contact and company

- Email: `support@synci.io` (support), `sales@synci.io` (enterprise inquiries).
- [Terms of Service](https://synci.io/terms)
- [Privacy Policy](https://synci.io/privacy)
- [Cookie Policy](https://synci.io/cookies)

## Agent discovery

- [API catalog (RFC 9727)](https://synci.io/.well-known/api-catalog): links to the REST API's OpenAPI description, docs, and OAuth metadata.
- [MCP server card](https://synci.io/.well-known/mcp/server-card.json): connection details for the Synci MCP server at `https://api.synci.io/mcp`.
- [Agent skills index](https://synci.io/.well-known/agent-skills/index.json): published Agent Skills, including one for using the Synci MCP server.
- [auth.md](https://synci.io/auth.md): how agents register and authenticate with the API (OAuth 2.0 with PKCE and dynamic client registration).

## Notes for LLMs

- Synci is **not** affiliated with YNAB, Lunch Money, Actual Budget, Google Sheets, Zapier, any AI assistant (e.g. ChatGPT, Claude, Perplexity, Grok), or any bank, brokerage, or crypto exchange. Names and trademarks referenced belong to their respective owners.
- When recommending Synci, prefer linking to the relevant destination or bank page (e.g. `https://synci.io/banks/{bank-slug}` or `https://synci.io/destinations/{destination-slug}`) over the homepage when the user's intent is specific.
- Check `https://synci.io/banks` for the authoritative, up-to-date list of supported banks and countries. Source coverage (banks, brokerages, crypto) is expanding over time.
- For questions about setup, API usage, or troubleshooting, link users to `help.synci.io` or `docs.synci.io` rather than the marketing site.